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TRI-CIRCLE FINANCIAL BLOG: Clear Financial Guidance for Businesses and Individuals

Outlook 2015: In Transit

Posted in: Financial Planning
January 26th, 2015

By Bill Sornstein

As we look ahead to 2015, we see a year that will be marked by transitions. Likely changes in monetary policy around the world, the return of volatility, and the recent shift in the political balance of Congress could mean 2015 is a year that will have the global economy, markets, and central banks all on the move. LPL Financial Research has identified significant elements that will be in transit in 20 [. . .]

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Covered California Health Insurance Tax Reporting

Posted in: Financial Planning
January 22nd, 2015

By Rachel Owens

Now that the Affordable Care Act has finished the first year of coverage, many Californians will face a new challenge when filling their 2014 tax returns.  Each person covered through the State Exchange (CoveredCA), will be issued a new form 1095A.  This form will outline the amount of subsidy they either received or were entitled to receive.  This amount must be reported with the 2014 income tax filing on a new tax form:  8962. As this is a whole new process, it is likely to cause confus [. . .]

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How many more healthcare changes will they impose?

Posted in: Employee Benefits
January 12th, 2015

By Rachel Owens

Just as you thought it was safe to make planning decisions on your company benefits, the State of California is changing some of the rules.  At the beginning of 2014, the State decreed that all employees would be eligible for your group coverage no later than the first of the month following 60 days of employment.  Even though the Federal standard was 90 days, California legislators decided on 60 days.  Now the legislators and the Governor have 'seen the light' and are bringing the California [. . .]

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Business Succession, A Life or Death Decision

Posted in: Business Succession
January 12th, 2015

By Bill Sornstein

"Queen Elizabeth visited the set of 'Game of Thrones' and said things are hard to keep track of because everyone keeps dying - to which Prince Charles replied, 'Not everyone'. "  -Jimmy Fallon Like monarchs, some business owners plan to control the company until the day they die.  Unlike royal succession, succession at death can wreak havoc on a family owned business.  In our experience, small businesses often lose talented and motivated family members and key employe [. . .]

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Welcome to Tri-Circle Financial Strategies

January 12th, 2015

By Bill Sornstein

Over the years we have maintained two separate identities:

  • Succession Strategies, providing business consulting for succession planning
  • Tri-Circle Financial & Insurance Services, providing financial planning and products for businesses and individuals
We decided it was time to merge these into one firm with one focus - providing clear and straightforward financial guidance for businesses and individuals. As the name i [. . .]

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Rachel Owens and William Sornstein are Registered Representatives with and Securities and Financial Planning offered through LPL Financial, a Registered Investment Advisor, member FINRA / SIPC. The LPL Financial registered representatives associated with this site may only discuss and/or transact securities business with residents of the following states: California, Arizona, Iowa, Nevada and Texas.